American Express SmartEarn™ Credit Card vs ICICI Bank HPCL Coral American Express Credit Card

• Get rewarded for your spends with 10X and 5X Membership Rewards® Points respectively at select merchant partners
• Cashback of Rs. 500 on eligible spends of Rs. 10,000 in the first 90 days of Cardmembership
• Renewal Fee waiver on spends of Rs.40,000 and above in the previous year of Card-membership

• Earn 3X or 6 PAYBACK Points from ICICI Bank Rewards Points per Rs. 100 spent on fuel at HPCL pumps. Redeem 2,000 PAYBACK Points from ICICI Bank Rewards for fuel worth Rs. 500
• Get 2.5% cashback and savings of 1% fuel surcharge on fuel purchases at HPCL pumps. (Please Note: With effect from May 20, 2017, 2.5% cashback on fuel purchases at HPCL fuel pumps will be applicable on minimum transaction value of ₹500.) Moreover, when using ICICI Bank HPCL Coral American Express Credit Card, 1% fuel surcharge won't be levied on fuel transactions up to Rs.4,000 at HPCL pumps
• Enjoy Rs. 100 discount on up to 2 movie tickets per month at www.bookmyshow.com
• Exclusive dining offers through ICICI Bank Culinary Treats Programme. For details, visit icicibank.com/culinarytreats Important Information as seen on the website

(Please Note: Complimentary access to domestic airport lounges offered on ICICI Bank HPCL Coral American Express Credit Card will be discontinued effective 15th April 2020.)

• Rewards powered by PAYBACK: PAYBACK is India's largest multi-brand loyalty programme and this card entitles the cardholders to earn PAYBACK Points on all retail transactions as elaborated below:

1. Enjoy accelerated 3X rewards, i.e on every Rs. 100 spent, get 6 PAYBACK Points on fuel spends at HPCL pumps & 2 PAYBACK Points on all other retail spends
2. Now you can redeem PAYBACK Points at HPCL pumps itself! Every 2,000 PAYBACK Points earn you fuel worth Rs. 500

• Enjoy the facility of Rs. 199 Annual Fee Savings. By just spending Rs. 50,000 or more annually on this Card, the bank will reverse Annual Fee (Rs. 199) for that year
• Exclusive benefits from American Express: 

1. American Express Connect offers a wide range of special offers across categories such as Travel, Lodging, Dining, Retail and Online Shopping
2. American Express ezeClick is faster, smarter and secure online payment solution. While shopping online, you just have to enter a single User ID instead of inserting Card details

• Get Rs. 100 off on movie tickets through www.bookmyshow.com. avail this discount twice each month. However, with effect from May 15, 2020, the BookMyShow benefits will be revised as follows: Avail of 25% discount, maximum up to Rs 100 on purchase of minimum two tickets per transaction
• The finest dining experiences now come with equally impressive savings. Exclusive dining offers through ICICI Bank Culinary Treats Programme

Pros

• Convert spends into easy monthly instalments with the American Express EMI
• Avail 5X Membership Rewards  by transacting on Amazon, Swiggy, BookMyShow, PVR, Myntra, Jabong, Grofers, Big Bazaar and many more and get 5X rewards for every Rs.50 spent
• Avail 1 Membership Rewards Point for every Rs. 50 spent except on the spends for Fuel, Insurance, Utilities, Cash Transactions and EMI conversion at Point of Sale

Cons

• No Golf/coaching sessions
• No complimentary Airport Lounge access 
• High-interest rates

Pros

• Exclusive dining offers through ICICI Bank Culinary Treats Programme
• Enjoy accelerated 3X rewards, i.e on every Rs. 100 spent, get 6 PAYBACK Points on fuel spends at HPCL pumps & 2 PAYBACK Points on all other retail spends

Cons:

• No Complimentary Lounge access
• No complimentary Golf classes/sessions

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